The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$26,989
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,829
−HK$853/mo
Today · 4.125%
HK$28,682
baseline
▲ 0.50% · 4.625%
HK$30,427
+HK$1,745/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$57,364/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,025
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,831
−HK$817/mo
Today · 4.125%
HK$31,648
baseline
▲ 0.50% · 4.625%
HK$33,316
+HK$1,668/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$63,296/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$443,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,387
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,395
−HK$1,023/mo
Today · 4.125%
HK$34,418
baseline
▲ 0.50% · 4.625%
HK$36,512
+HK$2,094/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$68,836/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,030
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$36,997
−HK$980/mo
Today · 4.125%
HK$37,977
baseline
▲ 0.50% · 4.625%
HK$39,979
+HK$2,002/mo
Deposit HK$4.73M · loan HK$7.10M · min. income ≈ HK$75,954/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$443,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,785
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$38,960
−HK$1,195/mo
Today · 4.125%
HK$40,155
baseline
▲ 0.50% · 4.625%
HK$42,598
+HK$2,443/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$80,310/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,036
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,163
−HK$1,144/mo
Today · 4.125%
HK$44,307
baseline
▲ 0.50% · 4.625%
HK$46,642
+HK$2,335/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$88,614/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,581
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$50,092
−HK$1,535/mo
Today · 4.125%
HK$51,627
baseline
▲ 0.50% · 4.625%
HK$54,769
+HK$3,142/mo
Deposit HK$1.18M · loan HK$10.65M · min. income ≈ HK$103,254/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,046
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$55,495
−HK$1,471/mo
Today · 4.125%
HK$56,966
baseline
▲ 0.50% · 4.625%
HK$59,968
+HK$3,002/mo
Deposit HK$1.18M · loan HK$10.65M · min. income ≈ HK$113,932/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,855 · Scale 2, in force from 26 Feb 2026)